Casco: what is it? Insurance options, details

Any car owner wants to protect his vehicle from possible damage. CASCO insurance will help to do it the best way. Many want to learn more about the casco, what it is. But first things first. First, you need to understand what is generally understood today as damage.

Damage to the owner of the car - some harm that caused the car. This can be an act of vandalism, hijacking, damage during an accident. Other types of damage are not excluded. Casco is popular due to the wide range of costs covered by insurance. At the moment the situation is as follows: many people are already thinking about protecting it when planning a car purchase.

Popularity

It can not be said that such car insurance is a cheap option, but it is today that it is the most popular. Thus, if you want to protect your budget from unforeseen, unnecessary expenses, it's time to learn the rules of CASCO. Insurance cases can be different: not the most successful parking, hijacking, causing any harm. If there is any such trouble, a person who has a completed motor hull will receive a full refund (in accordance with the damage).

Mini-hull - what is it?

The modern market of insurance services offers its clients a lot of offers, for example, there are different types of casco. What is this - a "mini" -variant of this insurance? He really deserves attention.

It is such an insurance product, which is offered to motorists in almost all leading domestic insurance companies. In fact, it is a question of a simplified CASCO program, which guarantees reliable protection against risks, will protect a person from serious losses. What kind of troubles will such insurance help?

• car theft;
• Loss of the car or its damage due to a natural disaster or fire;
• Accident or industrial accident;
• Damage due to the actions of communal or technical services (for example, damage caused by representatives of law enforcement or rescue services).

The list of risks that will cover the proposal "mini", varies significantly - everything depends on the specific company. However, there are similarities all the same: sufficiently low cost (if compared with a full policy), and the insurance policy has significant limitations. As a rule, people save up to 30% of the price of insurance, if you choose the "mini" package.

What is the plus?

The main advantage of an incomplete package, if compared with a full-fledged CASCO-policy - impressive savings in finance. This form of insurance is ideal for inexperienced, young drivers, as well as those people whose car is already worn out. If the warranty from the manufacturer has already ended on the vehicle, it is also worth paying attention to the "mini" -variant Casco. Also this tool is convenient in such situation when the motorist does not want to insure the car against all possible risks, if, for example, you need to drive only a few times a month, and all the rest of the time the car is in the garage or at a paid parking lot.

Franchise in Hull Insurance

Surely someone has heard of the franchise CASCO. What it is? This is the part of the damage caused by the insurance, which the owner reimburses on his own, if an insured event has occurred. As a rule, we are talking about a fixed sum insured, although many firms express this value as a percentage. The situation looks like this: CASCO provides the client with a significant discount on its services, but any minor repairs (previously agreed with the representatives of the insurance company) will have to be done by spending money from their own pocket. For cars there are two types of franchise: conditional and unconditional.

Unconditional deductible

In an insurance policy, this procedure is stipulated approximately as follows: the owner of the car assumes the obligation, which consists in the fact that he compensates a certain amount in the event that he receives the damage. It is worth considering a simple example: there is a machine that is insured for this program. The limit of the franchise is, say, 5,000 rubles. If there comes an insurance event, for example, at 15 thousand, the company will pay the owner of the car only 10 000.

Conditional franchise

What can be said about this proposal? With a conditional franchise, the insurance company fully compensates for all the damage caused to the car, only when its size is higher than a certain bar. If you pay attention to the reviews on CASCO, then in this situation everything looks like this: if the car gets into an accident, but the amount of damage is less than the bar of the franchise, the owner himself pays for repair work. If the damage is greater than the data in the contract, the owner will be paid for the restoration of the car.

Everyone must decide for themselves whether to use the franchise with CASCO. What it is - many became clear from our article. It is enough to pay attention to the situation in large cities - there is a great risk of just minor damages (scratches on the bumper, wings). Insurance companies calculate the franchise exactly so that the cost of repair was slightly lower than the established payment level. That is, before making a choice, you need to try to take into account all the nuances. The franchise is really a wonderful way to save money, especially its maximum option. In this situation, you will have to pay for the hull somewhere half as much as in the usual case. That is, even owners of quite old cars can seriously think about the insurance policy of CASCO - today it is real.